Softwr

Accounting · head to head

Creem vs Harvest

Creem logo

Creem

Accounting

All-in-one payment and compliance platform for software companies

From
$3.9/percent
Rated
-
Full reviewWebsite
Harvest logo

Harvest

Professional Services

Time tracking software for teams that care about where their time goes

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Harvest has a free tier, so it costs nothing to try first.
  • Each has a real cost: Creem per-transaction fee model scales with volume, potentially expensive for high-frequency transactions; Harvest the free plan is one seat and two projects, so it suits a solo freelancer and nothing larger
  • They diverge on capability: Creem covers Global payments processing, Harvest covers Time tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Creem and Harvest actually diverge.

Attributes where Creem and Harvest differ
AttributeCreemHarvest
Starting price$3.9/percentFree
Pricing modelPer-transaction flat ratefreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, macOS, Windows, iOS, Android
CategoryAccountingProfessional Services
FoundedUnknown2006

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Creem

  • Global payments processing
  • Automated tax compliance
  • Subscription billing
  • Revenue distribution
  • Digital product support
  • Fraud protection
  • AI business assistant
  • Affiliate platform

Only in Harvest

  • Time tracking
  • Expense tracking
  • Invoicing
  • Project budgets
  • Team capacity
  • Detailed reports
  • Mobile apps
  • Browser extension

What people use each for

The jobs each tool is most often brought in to do.

Creem

  • SaaS subscription billing and managementnot Harvest
  • Digital product distribution with license keysnot Harvest
  • Global payment processing across 100+ countriesnot Harvest
  • Revenue sharing among co-founders and affiliatesnot Harvest
  • Automated tax compliance for international salesnot Harvest

Harvest

  • Time tracking against projects and clientsnot Creem
  • Turning tracked time into invoicesnot Creem
  • Expense capture alongside billable hoursnot Creem
  • Team capacity and utilisation reporting on the paid plansnot Creem
  • Feeding billed time into QuickBooks or Xeronot Creem

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Creem

  • Per-transaction fee model scales with volume, potentially expensive for high-frequency transactions
  • Limited to software and digital product companies, not suitable for physical goods
  • AI business assistant availability and capabilities not fully detailed
  • Requires using Creem as Merchant of Record, limiting white-label options
  • Mobile app only available in beta for iOS and Android

Harvest

  • The free plan is one seat and two projects, so it suits a solo freelancer and nothing larger
  • Team reporting and unlimited projects require the Teams plan at $9 per seat per month
  • Profitability reporting, timesheet approvals and custom reports need Enterprise at $14 per seat per month
  • SAML single sign-on is Enterprise only
  • QuickBooks, Xero and Stripe integrations are withheld from the free plan

Pricing, plan by plan

Creem

$3.9/percent
  • StandardFree
    • 3.9% + $0.40 per transaction
    • No setup fees
    • No monthly fees

Harvest

Free
  • FreeFree
    • 1 seat
    • Time tracking
    • Invoicing
  • Teams$9/month
    • Unlimited seats
    • Team reporting
    • Accounting integrations (Stripe, QuickBooks, Xero, Deel)
  • Enterprise$14/month
    • Unlimited seats
    • Unlimited custom reports
    • Profitability reporting

Which should you pick?

Choose Creem if

  • You need global payments processing.
  • You work on Web, iOS, Android.
  • You also want automated tax compliance.
Creem review

Choose Harvest if

  • You need time tracking.
  • You want to start without paying.
  • You work on Web, macOS, Windows, iOS, Android.
  • You also want expense tracking.
Harvest review

Questions people ask

Is Creem or Harvest better?
Neither clearly leads. Creem starts at $3.9/percent and Harvest at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Creem or Harvest?
Harvest has a free tier; the other does not. Paid plans start at $3.9/percent for Creem and Free for Harvest.
Does Creem or Harvest run on more platforms?
Creem runs on Web, iOS, Android. Harvest runs on Web, macOS, Windows, iOS, Android.
Can I use Harvest for free?
Yes. Harvest has a free tier, so you can try it without paying. Creem starts at $3.9/percent.
What is Creem best used for?
Creem is most often used for saas subscription billing and management, digital product distribution with license keys, global payment processing across 100+ countries, revenue sharing among co-founders and affiliates. Of those, saas subscription billing and management and digital product distribution with license keys are not what Harvest is typically brought in for.
What can Creem do that Harvest cannot?
Creem covers Global payments processing, Automated tax compliance, Subscription billing, Revenue distribution. Harvest covers Time tracking, Expense tracking, Invoicing, Project budgets.

Answered from the vendors’ own pages

Creem: What are Creem's transaction fees compared to competitors?

Creem charges a flat 3.9% plus 40 cents per successful transaction with no additional setup, monthly, or hidden fees. For a $5,000 transaction volume, Creem estimates $235 in fees compared to Lemon Squeezy at $565 ($400 + $165).

Source
Harvest: How much does Harvest cost?

Harvest offers a free plan for 1 user and Teams plan starting at $9/seat/month (billed annually at $108/seat for 20% savings). Enterprise plan starts at $14/seat/month.

Source
Creem: Does Creem handle international tax compliance?

Yes. Creem automatically handles VAT, GST, and sales tax filing and remittance as a Merchant of Record across 50+ countries, eliminating manual tax compliance work.

Source
Harvest: Is there a free version of Harvest?

Yes, Harvest's free plan includes 1 seat with time tracking, invoicing, expense tracking, and 2 projects.

Source
Creem: Can I use Creem for subscription billing?

Yes. Creem provides subscription management with billing, dunning, and a customer portal. Revenue splits are included for distributing earnings to co-founders and affiliates.

Source
Harvest: What is included in the Enterprise plan?

The Enterprise plan includes unlimited custom reports, profitability reporting, timesheet approvals, activity logs, and SAML-based SSO at $14/seat/month.

Source
Harvest: Does Harvest offer a discount for annual billing?

Yes, annual billing provides 20% discount, reducing the Teams plan to $108/seat/year and Enterprise plan to $168/seat/year.

Source
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